Money Savvy

You shopped your mortgage. Now shop what's costing you more.

Credit card APRs average around 27%. A personal loan to pay them off usually runs less than half that — if you compare. Two minutes. No credit impact.

Compare My Rate

Compare offers side by side

Best rate
Lender A
APR
8.99%
Monthly payment
$635
Term
36 months
Total cost
$22,860
Lowest payment
Lender B
APR
10.49%
Monthly payment
$553
Term
48 months
Total cost
$26,544
Shortest term
Lender C
APR
9.75%
Monthly payment
$871
Term
24 months
Total cost
$20,904

Illustrative example for a $20,000 loan. Actual rates and terms vary based on creditworthiness, loan amount, and lender.

How it works

01

Tell us about you

Tell us about your financial situation and what you need. Takes about 2 minutes.

02

See your offers

See personalized rates from multiple lenders. Compare APRs and terms side by side.

03

Take the one you like

Select the offer that fits your needs and apply directly with the lender.

Check your rate

Two minutes. Soft pull. No credit impact.

Pay off credit cards

Replace high-interest balances with a fixed-rate loan

Go

Consolidate my debts

Combine multiple payments into one lower monthly bill

Go

Something else

We can help with that too

Go

Checking your rate won't affect your credit score.

"I was paying 24% on three cards. Got a personal loan at 11%. Saving over $200 a month."

— J. Martinez, Marketing manager, Austin

"The side-by-side comparison made it so easy. Found a rate two points lower than my bank offered."

— K. Chen, Software engineer, Seattle

Common questions

Will this hurt my credit score?Toggle
No. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you choose a lender and apply.
Can I pay it off early?Toggle
Most personal loans in our network allow early payoff with no prepayment penalty. Check the specific terms of any offer before you sign — it'll be clearly disclosed by the lender.
Do I need to close my credit cards after?Toggle
No. Most financial advisors actually recommend keeping cards open (but empty) to protect your credit utilization ratio. Whether to close them is up to you.
What if I get denied?Toggle
You compare multiple lenders in one soft-pull check — so a single denial doesn't end it. If no lender in our network offers terms you want, you walk away with no impact to your credit score.

Ready to make the savvy move?

Compare My Rate

Not a lender. The operator of this website is not a lender, does not make offers for loans, and does not make credit decisions.

Rate & terms. Personal loans are online loans which generally range from $1,000 to $100,000. Your actual rate, loan amount, and terms are determined by our lender partners based on your creditworthiness and other factors.

Credit impact. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you apply with a lender.

Sources. Credit card APR data: Federal Reserve Consumer Credit Report. Comparison-shopping behavior: CFPB shopping-behavior research; LendingTree and Consumer Reports rate-shopping studies.